DaveFlash Just like all other Premium members who get interest up to €10.000. And just like 10 Premium members get a limit of €100.000. Mentioning a limit of €40.000 for a pack should be avoided in my opinion, because the limit should be user based, not subscription based. That's the case for all other features and limits of Premium. Let me clarify.
Subscription limits vs User limits
Perhaps bunq sees "being in pack" differently than many users. Users might think, "let's get Premium!" and later think "Let's join a pack so I pay a little less but keep my exact same premium account with the exact same features and limitations. Nothing changed!".
Bunq on the other hand sees it from the pack owner perspective who get's a pack and then invites others who share the €10.000 limit. It's the only limit they share. They don't share number of IBANs, cards or anything else, just the interest limit. Because the limit applies to a subscription while all other limits and features apply as if everyone is a full Premium member. So the limit is consistent from a (paying) subscription perspective.
The question remains. Why only apply this limit on paying subscription level, while all other limits are on user level. That is inconsistent. It feels like an escape hatch or oversight. Or bunq seeing it as a Pack User where the user might see it as a Premium user in a pack. See the different approach?
"But a pack is still cheaper"
A pack still being cheaper in the end should not be a reason to keep this confusion and people having to calculate if it's profitable to go get a pack or not... And for just 2 or 3 people in a pack it might not even be true. And if you want to check if that's true, you have to start calculating again. Sigh...
Keep it simple.
But bunq will need to pay more interest
If bunq starts paying Premium users in a pack the correct interest they will need to get the money from somewhere. Maybe all interest from users who disable getting interest (from a moral/religious/tax/simplicity perspective) could compensate (partly) the extra cost for bunq. Just a thought.
I hope I didn't repeat others or myself to much, but wanted to share the possible reasoning (and inconsistency in that reasoning) from bunq side. Cheers.